# DIRECT LENDERS, LLC

> **Canonical URL:** https://saferate.com/lenders/direct-lenders

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

DIRECT LENDERS, LLC is a independent mortgage company, headquartered in LAWRENCEVILLE, GA, serving borrowers across 4 states, with 180 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930052808NIU3KIW97
- **Headquarters:** LAWRENCEVILLE, GA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, FL, GA, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.153%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,147
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 180
- **Dollar Volume:** $63 million
- **Applications Received:** 235
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $350,167
- **Average Borrower Income:** $136,211

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 107 | +0.294% | $3,468 | Acceptable 🙂 |
| FHA | 60/100 | 52 | +0.435% | $2,529 | Strong 😀 |
| VA | 60/100 | 17 | -0.679% | $2,456 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 100 loans, Score: 39/100 (Acceptable)

**FHA:**
- Purchase: 49 loans, Score: 60/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 170 | $60M | +0.240% | Sound ☺️ |
| Refinance | 19/100 | 10 | $3M | -0.216% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 172 | 0.12% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Marietta, GA | GA | 112 | 81/100 |
| Atlanta | GA | 39 | 59/100 |
| Rome, GA | GA | 11 | 57/100 |

## Frequently Asked Questions

### What loan types does DIRECT LENDERS, LLC offer?

DIRECT LENDERS, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does DIRECT LENDERS, LLC offer mortgages?

DIRECT LENDERS, LLC offers mortgages in 4 states: AL, FL, GA, TN.

### How competitive are DIRECT LENDERS, LLC's mortgage rates?

DIRECT LENDERS, LLC has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.153% above market average.

### What type of lender is DIRECT LENDERS, LLC?

DIRECT LENDERS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in LAWRENCEVILLE, GA.

### What is DIRECT LENDERS, LLC's loan approval success rate?

DIRECT LENDERS, LLC has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/direct-lenders

### How to Cite

> "DIRECT LENDERS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/direct-lenders

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